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MAPS: Understanding Possible Returns

Each of the Irish Life Multi Asset Portfolio Funds (MAPS) has been developed to suit different attitudes to risk. These range from lower risk, Multi Asset Portfolio 2 (MAP2), which has a large percentage invested in cash and bonds to higher risk Multi Asset Portfolio 6 (MAP6), which is mainly invested in shares.

As most of us know, investing in shares over long periods of time usually produces better returns than investing in cash or bonds. However, along with possible higher returns, investing in shares usually brings higher risk and the possibility that returns can vary a lot each year. Returns can even be negative over a given period of time, especially over shorter periods.

So while we might expect MAP6 to give a better return than MAP2 over long periods, we would also expect the returns on MAP6 to vary to a much greater extent than those on MAP2. The chart below shows the possible returns you might expect over different time periods for each of the MAPS funds.

Possible Annual Return in any 1-year period

Range of Returns Bar Chart

The possible return numbers are produced by Irish Life Investment Managers (ILIM). The returns are calculated before taxes and allow for an annual management charge of 1.15% (1.05% for MAP6). The actual fund management charge and product charge will depend on your plan. Please see your Product Booklet or Fund Guide for details.

This graph shows the range of possible annual returns you may expect in a 1, 3, 5, 7 and 10 year period for each of the Irish Life MAPS funds. Use the slider to change the years.

In 95% of the time, the return is expected to be within the range of the bars shown. This means that 5% of the time the return could be higher or lower than the bars shown.

However, not all of the returns are equally likely to happen. In fact, returns closer to the middle of each bar would be more likely than those at the extremes. This is represented by the average annual return.

Warning: If you invest in this product you may lose some of all of the money you invest.
Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.
Warning: These funds may be affected by changes in currency exchange rates.
Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
Talk to a financial broker or advisor about investing